When something happens to your roof, you need to know what's covered by your homeowner's insurance policy and what your roofing warranties cover.
Many home insurance policies do not include coverage for roof damage. The only way to know if your roof is covered is to ask your homeowner's insurance representative and review your policy. Evaluate the fine print on your home’s policy and check for any exclusions.
Be sure to ask your insurance company about weather, fire and repair damage. Also, check with your insurance company about their policy for claim payment for roof damage. Insurance companies that employ adjusters for roof repairs can make quicker payments for any roof damage.
Not all roofs need insurance for wind damage. Homes in more rural areas are more susceptible to wind damage. Insurance policies that cover fire damage often include wind damage in the policy.
Roof warranties protect you if the new roof installation is faulty or the roofing materials have a defect. There are two types of warranties, and many highly rated roofers offer both kinds. A manufacturer's warranty covers the roofing materials, while a workmanship warranty protects you if something goes wrong because of the contractor's faulty installation. Often, quality roofing contractors will offer a guarantee on their work for the lifetime of the roof.
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